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फिनकैश »आरडी बनाम एफडी

आवर्ती जमा बनाम सावधि जमा: कौन सा बेहतर है?

Updated on November 28, 2024 , 9762 views

आवर्ती जमा बनाम सावधि जमा? सोच रहे हैं कि अपना पैसा कहां बचाएं? खैर, कई बार निवेशक भ्रमित हो जाते हैं कि आवर्ती जमा (आरडी) में निवेश करें या सावधि जमा (एफडी) हालांकि वे सबसे लोकप्रिय बचत योजनाएं हैं, विशेष रूप से जोखिम से बचने वाले निवेशकों के बीच, यह समझना महत्वपूर्ण है कि आरडी और एफडी एक दूसरे से कैसे भिन्न हैं और कौन सा बेहतर हैनिवेश विकल्प।

आवर्ती जमा (आरडी)

आरडी एक हैवित्तीय साधन मुख्य रूप से बचत को प्रोत्साहित करने की दिशा में निर्देशित। इस योजना में, निवेशकों के पास हर महीने एक विशिष्ट राशि को या तो एक में बचाने की सुविधा होती हैबैंकया वित्तीय संस्थान का आरडी खाता पूर्व निर्धारित अवधि के लिए और इस राशि पर ब्याज अर्जित करें। परिपक्वता पर, मूल राशि के साथ ब्याज का भुगतान किया जाता है।

सावधि जमा (एफडी)

सावधि जमा एक प्रकार के वित्तीय साधन हैं जो बैंकों द्वारा एक निश्चित पूर्वनिर्धारित अवधि के लिए प्रदान किए जाते हैं और aब्याज की निश्चित दर. इस योजना में FD खाता बनाते समय एक बार एक निश्चित राशि जमा की जाती है। कार्यकाल के अंत में, चुने हुए कार्यकाल के लिए ब्याज राशि की गणना मूल राशि के साथ की जाती है और कुल राशि का भुगतान संचयी रूप से किया जाता है।

आवर्ती जमा बनाम सावधि जमा

मापदंडों आवर्ती जमा (आरडी) सावधि जमा (एफडी)
कार्यकाल आरडी का कार्यकाल आमतौर पर 6 महीने से लेकर 10 साल तक होता है FD योजना का कार्यकाल 7 दिनों से 10 वर्ष के बीच होता है
ब्याज गणना कंपाउंडिंग आम तौर पर आरडी योजना के लिए हर तिमाही पर ब्याज मिलता है FD में, चक्रवृद्धि ब्याज की गणना हर साल अर्जित ब्याज पर की जाती है
पात्रता सभी निवासी भारतीय और हिंदू अविभाजित परिवार (HUF) RD खाता खोलने के पात्र हैं। यह खाता नाबालिगों के लिए उनके माता-पिता या कानूनी अभिभावकों द्वारा भी खोला जा सकता है सभी निवासी भारतीय और हिंदू अविभाजित परिवार (एचयूएफ) एक सावधि जमा खाता खोलने के पात्र हैं
कर लाभ इस योजना में कोई कर लाभ नहीं दिया जाता है सावधि जमा के लिए, के तहत कर छूटधारा 80सी काआयकर अधिनियम 1961 लागू है। यह 5 साल से अधिक की जमाराशियों के लिए लागू है (मौजूदा कानूनों के अनुसार)
प्रतिफल दर ब्याज दर FD के समान है लेकिन आमतौर पर, कार्यकाल और मासिक निवेश राशि पर निर्भर करती है ब्याज दर RD के समान है लेकिन निर्भर करती हैराजधानी और कार्यकाल चुना गया
अतिरिक्त लाभ अधिकांश बैंक जमा मूल्य के 90% तक ऋण प्रदान करते हैं अधिकांश बैंक जमा मूल्य के 70% - 90% तक ऋण प्रदान करते हैं।
निकासी कुछ मामलों में, बिना दंड के समय से पहले निकासी की अनुमति है। जबकि कुछ बैंक जुर्माना लगा सकते हैं दंड के साथ समयपूर्व निकासी की अनुमति है
आय रुचि आरडी पर अर्जित ब्याज कर योग्य है और अधिकांश बैंक टीडीएस काटते हैं FD पर अर्जित ब्याज कर योग्य है और अधिकांश बैंक TDS काटते हैं

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FD-Vs-RD

आवर्ती जमा बनाम सावधि जमा: अधिक कमाई कहां से करें?

चूंकि आरडी और एफडी दोनों जोखिम से बचने वाले निवेशकों के लिए उपयुक्त हैं, इसलिए अंतिम विकल्प किसी की जरूरतों पर निर्भर करता है। एक FD खाते में, जमा की गई प्रारंभिक एकमुश्त राशि पर ब्याज संयोजित होता है। जमा की गई पूरी राशि पर एक साल का ब्याज मिलता है। हालांकि, आरडी में, केवल पहली जमा राशि पर पहले साल यानी 12 महीने के लिए ब्याज मिलता है। दूसरी जमा राशि पर 11 महीने के लिए, तीसरे पर 10 महीने के लिए ब्याज मिलता है, इत्यादि। कंपाउंडिंग प्रभाव सावधि जमा को निवेशकों के लिए उच्च रिटर्न उत्पन्न करने में सक्षम बनाता है।

हालांकि समय के साथ, कोई व्यक्ति सावधि जमा (उदाहरण नीचे दिखाया गया है) के साथ अधिक पैसा कमा सकता है, लेकिन इसमें मासिक छोटी राशि जमा करने में सक्षम होने के मामले में आवर्ती जमा खाते की लचीलापन नहीं है। इसलिए, जिनके पास निवेश करने के लिए एकमुश्त राशि नहीं है, वे मासिक निवेश को प्राथमिकता दे सकते हैं।

बेहतर समझ के लिए, हमने दोनों योजनाओं में अंतर को स्पष्ट किया है। इसलिए उपयोगकर्ता स्पष्ट रूप से समझ सकते हैं और अच्छी तरह से चुन सकते हैं।

चित्रण:

आइए मान लें कि आप निवेश करते हैंINR 1000 (मासिक एक वर्ष के लिए) एक आवर्ती जमा में और आपने एकमुश्त निवेश किया हैINR 12,000 वर्ष की शुरुआत में सावधि जमा में। ये दोनों उत्पाद आपको तिमाही चक्रवृद्धि ब्याज 9 प्रतिशत प्रदान करते हैं। ऐसाआय इन दो योजनाओं में से नीचे दिया गया है-

विवरण आवर्ती जमा (आरडी) सावधि जमा (एफडी)
निवेश की गई राशि INR 5,000 (मासिक) INR 60,000 (एकमुश्त)
कार्यकाल 12 महीने 12 महीने
वार्षिक ब्याज दरें 6% 6%
अर्जित की गई कुल राशि INR 61,986 INR 63,701
शुद्ध लाभ INR 1,986 INR 3,701

अब जब आप RD और FD के बीच मुख्य अंतर जानते हैं, तो आप किसी एक को चुन सकते हैं और समझदारी से निवेश कर सकते हैं। हालांकि FD, RD की तुलना में बेहतर ग्रोथ देता है, लेकिन ज्यादातर समय, आपकी सभी जरूरतों को पूरा करने के लिए किसी एक इंस्ट्रूमेंट के लिए संभव नहीं है। इसलिए, जब आपके पास निवेश करने के लिए एकमुश्त राशि नहीं है, तो आप हर महीने अपनी आय में से एक छोटी राशि बचा सकते हैं और एक आवर्ती जमा में निवेश कर सकते हैं!

अन्य विकल्प

लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (29 Nov 24) ₹523.751 ↑ 0.12   (0.02 %)
Net Assets (Cr) ₹15,098 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 2.85
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.78%
Effective Maturity 7 Months 24 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,719
30 Nov 21₹11,139
30 Nov 22₹11,639
30 Nov 23₹12,472
30 Nov 24₹13,436

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.7%
3 Year 6.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.38 Yr.
Kaustubh Gupta15 Jul 1113.31 Yr.
Monika Gandhi22 Mar 213.62 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash36.98%
Debt62.73%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate66.63%
Cash Equivalent21.1%
Government11.99%
Credit Quality
RatingValue
AA30.91%
AAA69.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Housing Bank 7.83%
Debentures | -
6%₹820 Cr82,000
Shriram Finance Company Limited
Debentures | -
4%₹601 Cr60,000
↑ 10,000
Nirma Limited
Debentures | -
4%₹501 Cr50,000
Rural Electrification Corporation Limited
Debentures | -
3%₹401 Cr40,000
↓ -10,000
National Housing Bank
Debentures | -
3%₹400 Cr40,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹360 Cr36,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Govt Stock 04102028
Sovereign Bonds | -
2%₹317 Cr31,500,000
↑ 2,500,000
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹301 Cr30,000
Nirma Limited 8.3%
Debentures | -
2%₹250 Cr25,000

2. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (29 Nov 24) ₹3,862.79 ↑ 0.78   (0.02 %)
Net Assets (Cr) ₹8,313 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 0.54
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.73%
Effective Maturity 6 Months 17 Days
Modified Duration 5 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,511
30 Nov 21₹11,330
30 Nov 22₹11,831
30 Nov 23₹12,621
30 Nov 24₹13,528

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.5%
1 Year 7.2%
3 Year 6.1%
5 Year 6.2%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.6%
2021 7.8%
2020 4.9%
2019 0.9%
2018 7.3%
2017 5.8%
2016 6.8%
2015 7.6%
2014 8.4%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1311.09 Yr.
Kinjal Desai25 May 186.44 Yr.
Akshay Sharma1 Dec 221.92 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash59.39%
Debt40.41%
Other0.2%
Debt Sector Allocation
SectorValue
Cash Equivalent59.39%
Corporate31.4%
Government9.01%
Credit Quality
RatingValue
AA13.94%
AAA86.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
191 DTB 12/12/2024
Sovereign Bonds | -
4%₹347 Cr35,000,000
182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -
4%₹285 Cr29,000,000
↑ 29,000,000
PNb Housing Finance Limited
Debentures | -
3%₹225 Cr22,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹199 Cr2,000
Can Fin Homes Limited
Debentures | -
3%₹199 Cr2,000
Indinfravit Trust
Debentures | -
2%₹189 Cr19,500
Rec Limited
Debentures | -
2%₹182 Cr1,850
HDFC Credila Financial Services Ltd
Debentures | -
1%₹100 Cr10,000
Piramal Capital & Housing Finance Ltd
Debentures | -
1%₹100 Cr10,000
Small Industries Development Bank Of India
Debentures | -
1%₹99 Cr1,000

3. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (29 Nov 24) ₹4,067.46 ↑ 0.72   (0.02 %)
Net Assets (Cr) ₹3,046 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 0.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.63%
Effective Maturity 5 Months 7 Days
Modified Duration 4 Months 27 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,540
30 Nov 21₹11,193
30 Nov 22₹11,633
30 Nov 23₹12,417
30 Nov 24₹13,308

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 7.2%
3 Year 5.9%
5 Year 5.9%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.2%
2021 6.1%
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
2014 8.8%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Ritesh Nambiar1 Jul 159.35 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash63.31%
Debt36.5%
Other0.19%
Debt Sector Allocation
SectorValue
Cash Equivalent63.31%
Corporate29.98%
Government6.52%
Credit Quality
RatingValue
AA21.99%
AAA78.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹149 Cr1,500
Bajaj Housing Finance Limited
Debentures | -
3%₹100 Cr1,000
HDFC Bank Limited
Debentures | -
2%₹75 Cr7,500
Shriram Transport Finance Company Limited
Debentures | -
2%₹50 Cr5,000
Bharti Telecom Limited
Debentures | -
2%₹50 Cr500
ICICI Home Finance Company Limited
Debentures | -
2%₹50 Cr5,000
Hdb Financial Services Limited
Debentures | -
2%₹50 Cr500
India Grid TRust
Debentures | -
2%₹50 Cr500
Can Fin Homes Limited
Debentures | -
2%₹50 Cr500
Can Fin Homes Limited
Debentures | -
2%₹50 Cr500

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (29 Nov 24) ₹26.5234 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹14,206 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 1.73
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 7.53%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,677
30 Nov 21₹11,105
30 Nov 22₹11,583
30 Nov 23₹12,385
30 Nov 24₹13,303

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 7.4%
3 Year 6.2%
5 Year 5.9%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.9%
2022 4.5%
2021 4%
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
2014 14.8%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 167.97 Yr.
Ritesh Lunawat15 Jun 177.39 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash53.59%
Debt46.16%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate60.64%
Cash Equivalent25.32%
Government13.04%
Securitized0.74%
Credit Quality
RatingValue
AA12.82%
AAA87.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days T - Bill- 06/02/2025
Sovereign Bonds | -
3%₹392 Cr40,000,000
364 DTB 13032025
Sovereign Bonds | -
3%₹390 Cr40,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹372 Cr3,750
LIC Housing Finance Limited
Debentures | -
2%₹335 Cr3,350
↑ 2,350
Bharti Telecom Limited
Debentures | -
2%₹326 Cr32,500
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹298 Cr3,000
India (Republic of)
- | -
2%₹297 Cr30,000,000
HDFC Bank Ltd.
Debentures | -
2%₹293 Cr6,000
Indusind Bank Ltd.
Debentures | -
2%₹245 Cr5,000
Rural Electrification Corporation Limited
Debentures | -
2%₹235 Cr2,350

5. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (29 Nov 24) ₹3,265.19 ↑ 0.59   (0.02 %)
Net Assets (Cr) ₹3,258 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio -0.79
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.48%
Effective Maturity 6 Months
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,485
30 Nov 21₹10,784
30 Nov 22₹11,195
30 Nov 23₹11,944
30 Nov 24₹12,770

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.4%
1 Year 6.9%
3 Year 5.8%
5 Year 5%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.1%
2021 2.9%
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
2014 8.8%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Laukik Bagwe1 Aug 240.25 Yr.
Karan Mundhra31 May 213.42 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash56.77%
Debt43.02%
Other0.21%
Debt Sector Allocation
SectorValue
Cash Equivalent56.77%
Corporate37.55%
Government5.47%
Credit Quality
RatingValue
AA8.78%
AAA91.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
5%₹152 Cr1,500
364 DTB 05122024
Sovereign Bonds | -
4%₹124 Cr12,500,000
182 DTB 23012025
Sovereign Bonds | -
3%₹99 Cr10,000,000
Power Finance Corporation Limited
Debentures | -
3%₹93 Cr900
182 DTB 30012025
Sovereign Bonds | -
2%₹59 Cr6,000,000
Power Finance Corporation Ltd.
Debentures | -
2%₹56 Cr550
Bharti Telecom Limited
Debentures | -
2%₹54 Cr500
The Tata Power Company Limited
Debentures | -
2%₹53 Cr500
LIC Housing Finance Limited
Debentures | -
2%₹53 Cr500
Can Fin Homes Limited
Debentures | -
2%₹52 Cr500

6. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 40 in Ultrashort Bond category.  Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund
Growth
Launch Date 30 Dec 10
NAV (29 Nov 24) ₹2,584.09 ↑ 0.52   (0.02 %)
Net Assets (Cr) ₹1,265 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 0.88
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.47%
Effective Maturity 5 Months 28 Days
Modified Duration 5 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,524
30 Nov 21₹10,841
30 Nov 22₹11,255
30 Nov 23₹12,001
30 Nov 24₹12,891

Invesco India Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 7.4%
3 Year 5.9%
5 Year 5.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.6%
2022 4.1%
2021 3%
2020 5.1%
2019 7.6%
2018 7.3%
2017 7.1%
2016 9.1%
2015 8.3%
2014 10.1%
Fund Manager information for Invesco India Ultra Short Term Fund
NameSinceTenure
Krishna Cheemalapati4 Jan 204.83 Yr.
Vikas Garg27 Jul 213.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash58.17%
Debt41.65%
Other0.19%
Debt Sector Allocation
SectorValue
Corporate56.9%
Cash Equivalent35.06%
Government7.86%
Credit Quality
RatingValue
AA20.69%
AAA79.31%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 03012025
Sovereign Bonds | -
4%₹49 Cr5,000,000
↑ 5,000,000
Larsen & Toubro Ltd. 7.58%
Debentures | -
3%₹35 Cr3,500,000
↑ 3,500,000
Export Import Bank Of India
Debentures | -
3%₹30 Cr3,000,000
Power Grid Corporation Of India Limited
Debentures | -
2%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000
Bajaj Housing Finance Limited
Debentures | -
2%₹25 Cr2,500,000
TATA Steel Limited
Debentures | -
2%₹25 Cr2,500,000
Tata Projects Ltd.
Debentures | -
2%₹25 Cr2,500,000
LIC Housing Finance Ltd
Debentures | -
2%₹25 Cr2,500,000
Power Finance Corporation Limited
Debentures | -
2%₹25 Cr2,500,000
↑ 2,500,000

7. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (29 Nov 24) ₹41.1071 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹12,502 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 0.58
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.44%
Effective Maturity 7 Months 13 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,597
30 Nov 21₹10,936
30 Nov 22₹11,393
30 Nov 23₹12,169
30 Nov 24₹13,046

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.5%
1 Year 7.2%
3 Year 6.1%
5 Year 5.5%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.8%
2022 4.5%
2021 3.2%
2020 5.8%
2019 7.8%
2018 7.4%
2017 6.7%
2016 8.2%
2015 8.6%
2014 9.4%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0816.56 Yr.
Manu Sharma1 Nov 222 Yr.

Data below for Kotak Savings Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash55.92%
Debt43.79%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate64.05%
Cash Equivalent25.11%
Government10.55%
Credit Quality
RatingValue
AA8.16%
AAA91.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 12122024
Sovereign Bonds | -
4%₹495 Cr50,000,000
364 Days T - Bill- 06/02/2025
Sovereign Bonds | -
3%₹392 Cr40,000,000
↑ 40,000,000
PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1
Unlisted bonds | -
3%₹387 Cr386
LIC Housing Finance Ltd
Debentures | -
2%₹298 Cr3,000
Nirma Limited 0.083%
Debentures | -
2%₹250 Cr25,000
IDFC First Bank Ltd.
Debentures | -
2%₹243 Cr25,000
Bharti Telecom Limited
Debentures | -
2%₹226 Cr2,250
182 DTB 23012025
Sovereign Bonds | -
2%₹197 Cr20,000,000
Small Industries Development Bank of India
Debentures | -
2%₹195 Cr20,000
LIC Housing Finance Ltd
Debentures | -
1%₹174 Cr1,750

8. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund
Growth
Launch Date 21 May 99
NAV (29 Nov 24) ₹5,724.94 ↑ 1.49   (0.03 %)
Net Assets (Cr) ₹11,751 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.54
Sharpe Ratio 2.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.42%
Effective Maturity 10 Months 13 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,605
30 Nov 21₹10,962
30 Nov 22₹11,417
30 Nov 23₹12,213
30 Nov 24₹13,120

SBI Magnum Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 7.4%
3 Year 6.2%
5 Year 5.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7%
2022 4.5%
2021 3.4%
2020 5.9%
2019 8%
2018 7.9%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9%
Fund Manager information for SBI Magnum Ultra Short Duration Fund
NameSinceTenure
Arun R.1 Jun 213.42 Yr.
Ardhendu Bhattacharya1 Dec 230.92 Yr.
Pradeep Kesavan1 Dec 230.92 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash46.73%
Debt53.02%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent46.73%
Corporate28.98%
Government24.04%
Credit Quality
RatingValue
AA0.72%
AAA99.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2028
Sovereign Bonds | -
10%₹1,132 Cr112,500,000
↑ 112,500,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹621 Cr6,250
↑ 1,500
LIC Housing Finance Ltd
Debentures | -
4%₹495 Cr5,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹419 Cr4,250
Power Finance Corporation Limited
Debentures | -
3%₹384 Cr3,850
Hdb Financial Services Limited
Debentures | -
3%₹345 Cr34,500
Larsen & Toubro Ltd.
Debentures | -
3%₹300 Cr30,000
Rec Limited
Debentures | -
2%₹240 Cr2,450
Tata Capital Housing Finance Limited
Debentures | -
2%₹220 Cr2,200
08.18 HR UDAY 2025
Domestic Bonds | -
2%₹212 Cr21,000,000

9. Principal Ultra Short Term Fund

(Erstwhile Principal Retail Money Manager Fund)

To generate steady return by investing in debt and money market securities. The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments.

Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 5.8% since its launch.  Ranked 43 in Ultrashort Bond category.  Return for 2023 was 6.1% , 2022 was 3.7% and 2021 was 2.7% .

Below is the key information for Principal Ultra Short Term Fund

Principal Ultra Short Term Fund
Growth
Launch Date 28 Dec 07
NAV (29 Nov 24) ₹2,586.48 ↑ 0.53   (0.02 %)
Net Assets (Cr) ₹1,845 on 31 Oct 24
Category Debt - Ultrashort Bond
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.41
Sharpe Ratio -3.97
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,000
Exit Load NIL
Yield to Maturity 7.4%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,418
30 Nov 21₹10,697
30 Nov 22₹11,062
30 Nov 23₹11,734
30 Nov 24₹12,486

Principal Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for Principal Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.1%
1 Year 6.4%
3 Year 5.3%
5 Year 4.5%
10 Year
15 Year
Since launch 5.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.1%
2022 3.7%
2021 2.7%
2020 4.1%
2019 6.5%
2018 1.2%
2017 6.3%
2016 7.9%
2015 8.8%
2014 9.4%
Fund Manager information for Principal Ultra Short Term Fund
NameSinceTenure
Dwijendra Srivastava16 May 222.46 Yr.
Sandeep Agarwal1 Jan 222.83 Yr.

Data below for Principal Ultra Short Term Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash76.33%
Debt23.43%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate63.27%
Cash Equivalent30.23%
Government6.25%
Credit Quality
RatingValue
AA9.74%
AAA90.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Telecom Limited
Debentures | -
3%₹50 Cr5,000
182 DTB 18102024
Sovereign Bonds | -
3%₹50 Cr5,000,000
↑ 5,000,000
182 DTB 13032025
Sovereign Bonds | -
2%₹49 Cr5,000,000
IDFC First Bank Ltd.
Debentures | -
2%₹32 Cr660
LIC Housing Finance Ltd
Debentures | -
2%₹30 Cr300
ICICI Bank Ltd.
Debentures | -
1%₹29 Cr600
PNb Housing Finance Limited
Debentures | -
1%₹25 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹25 Cr2,500
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
1%₹25 Cr250,000
Hdb Financial Services Limited
Debentures | -
1%₹25 Cr250

10. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2023 was 7.1% , 2022 was 4.8% and 2021 was 3.3% .

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund
Growth
Launch Date 30 Mar 04
NAV (29 Nov 24) ₹404.093 ↑ 0.08   (0.02 %)
Net Assets (Cr) ₹48,377 on 31 Oct 24
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio 3.76
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.32%
Effective Maturity 2 Months 1 Day
Modified Duration 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Nov 19₹10,000
30 Nov 20₹10,449
30 Nov 21₹10,784
30 Nov 22₹11,274
30 Nov 23₹12,063
30 Nov 24₹12,953

Aditya Birla Sun Life Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 7.4%
3 Year 6.3%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.1%
2022 4.8%
2021 3.3%
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.2%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha15 Jul 1113.31 Yr.
Kaustubh Gupta15 Jul 1113.31 Yr.
Sanjay Pawar1 Jul 222.34 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash99.8%
Other0.2%
Debt Sector Allocation
SectorValue
Cash Equivalent73.88%
Corporate25.92%
Credit Quality
RatingValue
AA0.51%
AAA99.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
7%₹3,525 Cr
91 DTB 05122024
Sovereign Bonds | -
3%₹1,573 Cr158,665,400
Punjab National Bank
Domestic Bonds | -
3%₹1,478 Cr30,000
↑ 30,000
191 DTB 24102024
Sovereign Bonds | -
2%₹1,248 Cr125,000,000
State Bank Of India
Certificate of Deposit | -
2%₹1,237 Cr25,000
Net Receivables / (Payables)
Net Current Assets | -
2%-₹1,217 Cr
Punjab National Bank
Certificate of Deposit | -
2%₹996 Cr20,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹993 Cr20,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹993 Cr20,000
LIC Housing Finance Limited
Commercial Paper | -
2%₹992 Cr20,000

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